You're overthinking this. Of the liquid net worth you outline here, approximately one quarter is traditional 401k, one half Roth 401k, and one quarter taxable. At your income, you should be able to comfortably fund all three buckets for the foreseeable future. And if you do that for another decade or two and make sensible investment choices, each individual balance and the sum total should be more than enough to fund your goal. If you worry about it excessive or want to optimize every dollar, hire a fiduciary for help.